Understanding Medicare: The ABCD’s Explained

Hou Insurance
Sep 25
2 min read

When it comes to Medicare, the alphabet matters. Parts A, B, C, and D each cover different areas of your healthcare needs. Understanding what each part does—and how they work together—can save you money, protect your health, and give you peace of mind. At Hougom Insurance Agency, we specialize in helping individuals across La Crosse County, Viroqua, Houston County, and Winona County navigate these options with clarity and confidence.

Medicare Part A – Hospital Coverage

Part A is often referred to as “hospital insurance.” It helps cover:

Inpatient hospital stays
Skilled nursing facility care
Hospice care
Some home health care

For many people, Part A comes with no monthly premium if they or their spouse worked and paid Medicare taxes long enough.

Medicare Part B – Medical Coverage

Part B is your “medical insurance.” It helps cover everyday healthcare services, such as:

Doctor visits
Preventive services (like screenings and vaccines)
Outpatient care
Durable medical equipment (like walkers or wheelchairs)

Part B does require a monthly premium, which is set annually. Skipping Part B when first eligible can lead to penalties later—so it’s critical to make the right decision upfront.

Medicare Part C – Medicare Advantage Plans

Part C, also known as Medicare Advantage, is offered by private insurance companies approved by Medicare. These plans combine Part A and Part B benefits, and often include extras such as:

Prescription drug coverage
Vision, dental, and hearing benefits
Wellness programs

In La Crosse, Viroqua, Houston, and Winona counties, there are multiple Advantage plan options to choose from. The right plan depends on your doctors, prescriptions, and budget.

Medicare Part D – Prescription Drug Coverage

Part D is designed to lower the cost of prescription medications. Plans are offered by private insurance companies and vary by:

Premiums
Covered drug lists (formularies)
Pharmacy networks

Even if you don’t take medications today, enrolling in Part D when first eligible is wise. Delaying can result in late enrollment penalties that stick with you permanently.

Why the ABCD’s Matter Locally

Healthcare access and costs aren’t the same everywhere. Seniors in La Crosse County, Viroqua, Houston County, and Winona County have unique options based on local hospitals, clinics, and plan networks. What works for someone in Madison or Minneapolis might not fit your needs here at home. That’s why working with a local, independent Medicare agent matters—we understand the plans available in our communities.

How Hougom Insurance Agency Helps

At Hougom Insurance Agency, we take the confusion out of Medicare. Whether you’re turning 65 for the first time or reviewing your plan during Annual Enrollment, we: